Call reports 2006
FIRST NATIONAL BANK OF FREDERICK, THE — 2006
What FIRST NATIONAL BANK OF FREDERICK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 12,478,000 | 11,988,000 | 11,602,000 | 13,135,000 |
| Total loans | 3,655,000 | 4,266,000 | 4,577,000 | 4,192,000 |
| Allowance for loan losses | 113,000 | 113,000 | 113,000 | 101,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,820,000 | 5,802,000 | 5,775,000 | 5,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,209,000 | 9,708,000 | 9,310,000 | 10,816,000 |
| Interest-bearing deposits | 9,012,000 | 8,840,000 | 8,380,000 | 9,740,000 |
| Noninterest-bearing deposits | 1,197,000 | 868,000 | 930,000 | 1,076,000 |
| Equity capital | 2,207,000 | 2,222,000 | 2,223,000 | 2,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 142,000 | 289,000 | 433,000 | 592,000 |
| Interest expense | 41,000 | 83,000 | 131,000 | 182,000 |
| Net interest income | 101,000 | 206,000 | 302,000 | 410,000 |
| Noninterest income | 17,000 | 36,000 | 50,000 | 82,000 |
| Noninterest expense | 102,000 | 210,000 | 320,000 | 426,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 32,000 | 32,000 | 66,000 |
| Income tax | 2,000 | 4,000 | 3,000 | 5,000 |
| Net income | 14,000 | 28,000 | 29,000 | 61,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,207,000 | 2,222,000 | 2,223,000 | 2,255,000 |
| Total capital | 2,284,000 | 2,304,000 | 2,307,000 | 2,340,000 |
| Risk-weighted assets | 6,086,000 | 6,489,000 | 6,716,000 | 6,752,000 |
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